Research On The Current Situation And Countermeasures Of The Development Of Small And Medium Sized Customers In State-owned Commercial Banks

Under the new situation, changes in the market quietly picked up, but also ushered in the era of Internet banking, makes the financial market of our country in the new opportunities gradually liberalized, the vigorous development of the financial industry, but also makes the state-owned commercial banks of our country face and into the profound changes in the environment, to break through the traditional mode in the process, the state-owned commercial banks also ushered in a new round of competition stage. In the future of fierce market competition, how to learn to change and adapt, improve their profitability, stand in the invincible position in the competition has become the state-owned commercial bank managers have to face and consider the important topic.In the development of China’s national economy, small and medium enterprises have an important strategic position, promote employment, protect people’s livelihood, promote economic and social development, can not be separated from the small and medium enterprises. With the growth of national economy, the status of small and medium-sized enterprises is increasing day by day. At the same time, the sustained and rapid economic development, the increase in personal wealth, making the competition in the financial market in the financial market has long become a commercial bank, "no smoke of the battlefield". Therefore, in the business development of state-owned commercial banks, small and medium-sized enterprises and individuals become an important customer resources, how to seize the small and medium-sized customer base, has become the commercial banks in the market economy, the inevitable choice. Only by paying attention to and expanding the small and medium-sized customer base, the state-owned commercial banks can continuously develop and strengthen themselves in the service of small and medium-sized customers, and improve the overall operating efficiency.The in the small and medium enterprise customers and personal customers different demand for services, in view of the present situation of the state-owned commercial bank existing service of small and medium-sized customers analysis, concrete analysis of analysis on the problems and reasons of the existence of state-owned commercial banking services to small and medium-sized customers, put forward in the face of enormous challenges, the situation of state-owned commercial banks should how to seize the customers of small and medium-sized companies and individual customers is not lost, hope that the study can promote state-owned commercial banks in the fierce competition in the market to achieve steady, rapid and healthy grow.